Compare Bank & Credit Union Rates
Best credit card rates in Oxford, AL
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–7 of 7 in Oxford, AL · median 11.00% APR
- 7.80%APRas low as
Terms
APR as low as 7.80%. Rate depends on underwriting and creditworthiness.
Credit card score 95 · Carrot Score 94
Rate checked · Credit cards rates on its site
Rates and branches - 8.49%APRas low as · up to 16.99%
8.49% APR, up to 16.99%
Terms
APR for Purchases: 8.49% to 16.99% when you open your account, based on your creditworthiness. Credit line starting at $300. 1% cash back on all purchases, additional 1% cash back on gas and restaurants. 25-day grace period. Same rate for purchases and cash advances.
Credit card score 89 · Carrot Score 98
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
For limits $4,999.99 and below. Stated APR is as low as 9.90% and varies based on individual borrower's credit history and underwriting factors. 25-day interest-free grace period.
Credit card score 84 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as · up to 18.00%
11.00% APR, up to 18.00%
Terms
Variable rate. Rates subject to credit score.
Credit card score 77 · Carrot Score 91
Rate checked · Credit cards rates on its site
Rates and branches - 13.99%APRas low as
Terms
Variable APR for Purchases determined monthly by adding 6.99% margin to Prime Rate (7.00% as of September 17, 2026). Introductory $0 annual fee for the first year, after that $450 (waived for eligible Wealth clients).
Credit card score 61 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 17.74%APRas low as · up to 28.49%
17.74% APR, up to 28.49%
Terms
17.74%, 24.24% or 28.49% variable APR thereafter.
Credit card score 60 · Carrot Score 64
Rate checked · Credit cards rates on its site
Rates and branches - 26.74%APRas low as
Terms
Standard APR for Purchases varies with the market based on WSJ Prime Rate + margin of 19.74%.
Credit card score 60
Rate checked · Credit cards rates on its site
Rates and branches
Each institution’s lowest ongoing purchase APR on a regular card (not an introductory or balance transfer rate): usually its best-credit rate. A rate that needs another account or similar says “with conditions”; More filters can leave those, or cards with an annual fee, out. Secured, business and credit-builder cards are left out. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What credit cards charge in Oxford, AL
7 banks and credit unions · checked Oct 5–22
- Typical
- 11.00%
- Top 10% up to
- 8.21%
- Banks, typical
- 17.74%
- Credit unions, typical
- 9.20%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Anniston, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- AOD Federal Credit UnionCredit union · 5 branches
- AmFirstCredit union · 2 branches
- Family Savings Credit UnionCredit union · 1 branch